There’s always a temptation to throw money at your problem. But remember there’s nothing you can buy that will make up for what is really needed. And the stuff that accumulates while you try to fix the problem just ends up being a problem on its own.

14, 19

Set up a 529 plan. Virginia has a great plan if you don't want to do too much research

birth-age 3

IMPORTANT: If you borrow money from someone pay it back as soon as possible. In full. If you borrow an item, return it in excellent condition. I’d say if you borrow a car, return it with a full tank of gas but hopefully by the time you’re driving there won’t be any combustible engines. So return it fully charged!

12, 14, 16, 21

Throw leftovers and some cut up veggies in an omelette/ frittata. Cuts down on food waste and saves money.


Make a separate piggie bank together for money to donate. Talk about how we manage what we have thoughtfully: Save some, spend some, donate some.


It’s fine, great, to be thrifty. But please don’t be cheap. Hard-earned money should neither be squandered or hoarded. Enjoy your success! But save more than you’re comfortable with. It’s like my running coach used to say: Keep going until you feel like you’re gonna poop your pants, then push yourself to do another mile. Point is, it should hurt a little.

16, 21

Check out from the library or Amazon: “My First Money Book: A Guide for Parents and Children to Saving, Spending, Sharing, and Investing Your Money” by Reggie Nelson


Save where you can. Spend when you have to. Splurge every once in a while.

15, 21

open your own business


Have them practice making trade offs based on their financial priorities. For example: Pedicure or movie?


Sponsor a child in a developing country. Write letters, learn about their country and their life.


Begin planning trip for 10th bday. Maybe to Atlantis in Bahamas or someplace he’d be excited about._____Get him involved in planning and saving.


The bull-sh*t never ends. Dealing with the bull-sh*t IS your job. If you think you’ll ever reach a “post-bullsh*t stage in your life, you’re wrong.

12, 15, 19, 21

Start a yearly “review” right before school year. Raise allowance as appropriate. If they want more money, they’ll have to take on more responsibilities.


Some people have more money than sense. Just because u can afford something doesn’t mean you should buy it.


Open a Bank Account


Sesame Street has great resources on teaching finances to little ones.


May you make yourself proud every day. That’s my wish for you. (I will always be proud of you.) xoxo

9, 14, 21

Set up a 529 plan. Virginia has a great plan if you don't want to do too much research

birth-age 3

Let’s talk about how we can bless people - with what we have and by how we act.


Buy life insurance when you're young.